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. people who work right here locally who work for loosened technology, those people who didn't diversify, their financial future has been changed. so you need to diversify and there are many different ways to diversify in today's market. second thing people don't do is to build up your war chest. take advantage of your employer's 401 k plan. 25 and 35% tax savings by contributing to this plan. and as far as an employer match. and probably the third thing i see time and time again is people don't diversify internationally. everyone thinks u.s., u.s., u.s. but the u.s. only produces 48% of the world's gdp. and we're lucky to have the u.s. gdp grow at 2% this year. the world's gdp, the brick countries, brazil, russia, india and china are growing 3 and 4 times. >> let me ask you this, a lot of people look at the money that they have left over trying to save. i think the biggest seems overwhelming cause you are told to have a savings account and contribute to the 401 k. how do you know how much to put where i guess? >> you know, there are rules of thumb to live by. my oldest daughter just gra
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